topic Re: Chase - Multiple Products, Single Inquiry Experiences? in Credit Cards

Chase - Multiple Products, Single Inquiry Experiences?

CreditMuppet — Wed, 11 Jul 2012 16:23:11 GMT

I am currently considering applying for some of Chase's products, specifically looking at the Chase Sapphire Preferred and the Chase British Airways Signature Visa.

Anyone applied for multiple Chase products in a day and only recieved a single inquiry?, and for those on the east coast what CRA was pulled? I`m in PA.

I have heard of success applying for multiple products in a day, w/recon on the second app, but wasn't sure if another inquiry is pulled for the recon.

Looking forward to any experiences!

Thanks!

UPDATE: Pulled the trigger on the British Airways Visa Signature, and got a hard pull on both TU and EX!!

Re: Chase - Multiple Products, Single Inquiry Experiences?

Smerri1029 — Fri, 06 Jul 2012 19:34:48 GMT

In MA they pulled EX for me (for 4 cards over the last year). It is my understanding that two apps will result in 1 HP (with app 2 being denied and having to recon). YMMV however but this is what I have come to learn from other posts.

Re: Chase - Multiple Products, Single Inquiry Experiences?

emptypockets — Fri, 06 Jul 2012 19:39:57 GMT

I recently apped for Freedom and CSP (within about 8 days of each other). 2nd card was not instant approval, but was approved within about 30 mins (called app status line). Only had one hard pull. I am in MI, and they pulled TU for me.

Re: Chase - Multiple Products, Single Inquiry Experiences?

Voodard — Fri, 06 Jul 2012 22:36:25 GMT

OP:

Your FICO scores are high enough to where if Chase made two HPs you'd be just fine. I wouldn't worry about it too much.

Re: Chase - Multiple Products, Single Inquiry Experiences?

CreditMuppet — Wed, 11 Jul 2012 15:19:56 GMT

I pulled the trigger on the British Airways card, instant approval BUT they pulled both TU and EX!! Ouch! Anyone else seen this?

Inquiries at the time of application EX (1) EQ (0) TU (2)

Re: Chase - Multiple Products, Single Inquiry Experiences?

Anonymous — Wed, 11 Jul 2012 15:36:29 GMT

It's not uncommon for a bank to hard pull one CRA while softing the others. Are you sure they were both hard?

Re: Chase - Multiple Products, Single Inquiry Experiences?

CreditMuppet — Wed, 11 Jul 2012 15:58:05 GMT

Yes, TU and EX, both were hard pulls, confirmed via USAA Credit Monitoring.

Re: Chase - Multiple Products, Single Inquiry Experiences?

Anonymous — Wed, 11 Jul 2012 16:00:52 GMT

OK. That's surprising that it went through that way.

Re: Chase - Multiple Products, Single Inquiry Experiences?

CS800 — Wed, 11 Jul 2012 16:11:24 GMT

That sound great a la AMEX style

Im in MA and they pulled EX for me.

Re: Chase - Multiple Products, Single Inquiry Experiences?

CreditMuppet — Wed, 11 Jul 2012 16:21:23 GMT

Yeah I was surprised given that I do not believe I was a marginal approval, and the fact that I have two other Chase Cards with a 10+ year history. The only baddie I have on any of my reports is a 30 day late from March 2009.

Re: Chase - Multiple Products, Single Inquiry Experiences?

Anonymous — Wed, 11 Jul 2012 16:23:11 GMT

Exactly. With the scores in your signatures, I figured you'd be a "shoe in" with absolutely no need to pull multiple reports. Odd!